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Transparent pricing
See exactly what you pay — before you send.
Competitive rates, a low per-transfer fee, and delivery you can track — to 30+ countries.
Shown before you confirm
Flat transfer fee
3+
Countries
Live rate
Exchange rates
What you actually pay
No hidden deductions- See the rate + fee before you confirm
- No surprise deductions on arrival
Calculate your transfer fee
Pick a country and amount to see the exact fee, exchange rate, and what your recipient gets — with a live side-by-side against the big four banks.
How much will it cost?
Select a country and enter your amount to see the fee
$
Transfer fee
Shown before you confirm
Rates last updated · 03/10/2026
Transfer fees by country
Fees start at A$2.50 and rise in steps to A$10 as you send more, and are higher on some destinations. All amounts in AUD. Search below, or open the calculator above for a live quote on your corridor and amount.
Ghana
GHS
Kenya
KES
Nigeria
NGN
How our fees work
The same three steps the calculator above walks you through
1
Enter your amount
Choose the country and amount you want to send. Our calculator instantly shows the fee and exchange rate.
2
See exact fee before sending
The total fee and the amount your recipient will receive are displayed clearly — no surprises at checkout.
3
Confirm and send
Review the breakdown, confirm the transfer, and your recipient gets their money — often within minutes.
TopRate vs traditional banks
See how much you save with transparent, flat-fee pricing
Bank wire transfer
$20 – $35
Plus hidden exchange rate margin of 3–5%
Expensive & opaque
TopRate Transfer
Shown upfront
Per-transfer fee, rising with the amount you send. Our rate includes our margin.
Affordable & transparent
Fees & rates — frequently asked questions
How much does TopRate charge to send money abroad?
TopRate charges a per-transfer fee that starts at A$2.50, rises in steps to A$10 on the largest transfers, and is higher on some destinations. Your exact fee is shown in the app before you confirm. There are no account fees and no receiving fees, and the rate you see is the all-in rate — our rate includes our margin.
What exchange rate does TopRate use?
TopRate offers competitive exchange rates with clear, upfront fees — no surprise deductions. The exact rate and the amount your recipient receives are displayed in the app calculator before you send.
Are there any hidden fees?
No. The fee you see before you confirm is the fee you pay, and the receiving amount shown is what your recipient gets. There are no surprise charges at checkout, no monthly account fees, and no fees deducted from the recipient's amount. Our margin is included in the exchange rate we quote you, so the rate you see is the rate we use.
How do I see the fee for my transfer?
Download the TopRate app, choose your destination country and amount, and the app instantly shows the fee, exchange rate, and the exact amount your recipient will receive.
Ready to send?
Send instantly on WhatsApp or download the app to lock in your rate.
